Your bank feed is the thinnest data Xero ever receives. Budgetly sends the full picture.
A bank feed gives Xero a transaction amount and 'VISA PURCHASE'. Budgetly sends the merchant, category mapped to your Chart of Accounts, GST, the receipt as a file, tracking categories, and the cardholder. Coded before your bookkeeper opens Xero.
Bunnings Warehouse
Marcus WebbAustralia's favourite.
99% of businesses stick with Budgetly.
Replace reconciliation with sync.
Traditional bank feeds give Xero an amount and a cryptic description. Your bookkeeper then reconstructs reality, chasing receipts, assigning categories, extracting GST, adding tracking codes, weeks after the transaction happened. Budgetly captures all of that at the moment of spend and pushes it to Xero already coded.
The old way
- Bank feed descriptions like 'VISA PURCHASE' or 'SQ *BLUBTTL COF SF', meaningless
- Receipts chased weeks after the transaction happened
- GST manually extracted from receipts that may or may not be there
- Tracking categories added by hand, one transaction at a time
- Contacts created from guesswork about cryptic descriptors
- Month-end close takes days because nothing is ready when you open Xero
With Budgetly
- Merchant identified and mapped to a Xero Contact automatically
- Category assigned from your Chart of Accounts with 95%+ accuracy
- GST extracted from every transaction and applied correctly
- Receipt attached as a file in Xero, not chased by email
- Tracking Categories mapped as Tags. Site, Project, Cost Centre
- Transactions arrive in Xero already reconciled
- APRA-regulated
- Data stays in Australia
- 2FA + SSL encryption
- AWS Sydney ISO 27001 infrastructure
- Live status
Why Budgetly's Xero sync beats any bank feed
Merchant, category, GST, receipt, tags, all in one sync.
A bank feed gives Xero two fields: amount and description. Budgetly gives Xero the merchant name as a Contact, the category mapped to your Chart of Accounts, the GST extracted, the receipt attached as a file, Tracking Categories as Tags, and a full description with budget, cardholder, and notes. Your bookkeeper reviews, not reconstructs.
- Merchant mapped as Xero Contact (not raw descriptor)
- Category mapped to your Chart of Accounts
- GST extracted and applied correctly
- Receipt attached as a file in the Xero transaction
- Tracking Categories mapped as Tags (Premium plan)
- Description includes budget, cardholder, card number, notes
Officeworks
$184.50
Every transaction passes through auto-coding before it reaches Xero.
Budgetly’s coding engine runs on every transaction the moment it settles. It reads the merchant, assigns the category from your Chart of Accounts, extracts GST, matches the receipt, and adds Tracking Categories. Accuracy starts above 95% and improves with every correction your bookkeeper makes. By the time the sync page loads, the work is done.
- 95%+ coding accuracy from day one
- Learns from every override and correction
- Maps to your Chart of Accounts exactly
- Reads receipts via OCR and line-item parsing
- Handles multi-line receipts and split categories
- Works for card transactions and forwarded bills
Marcus Webb · Site Foreman Bunnings WarehouseOne-click review, or fully automated. Your bookkeeper chooses.
Most bookkeepers prefer the one-click sync: see what’s ready, check for missing receipts, press Sync Now. Transactions and receipts transfer to Xero together. For hands-off automation, enable auto-reconcile and transactions flow through continuously. Budgetly adapts to how your bookkeeper works.
- One-click review for bookkeepers who want the final check
- Auto-reconcile for teams that prefer continuous sync
- Bulk actions: categorise, tag, sync up to 100 at once
- Filter by category, tag, budget, receipt status, date
- Selected sync, push only the reviewed subset
- Safe to flip between modes anytime
Bunnings Warehouse
$247.80
Marcus Webb · Site ForemanWhat changes when Xero is the truth, automatically
No manual coding. No receipt hunting. No reconciliation queue. Xero stays accurate in real time.
Xero integration without the data entry
The integration isn't a bridge, it's a source. Xero receives clean, coded, receipted data at the moment of spend. Your bookkeeper reviews, not reconstructs.
- Transactions arrive in Xero already coded and receipted
- 95%+ accuracy, fewer corrections to make
- Every correction teaches the system
- One-click sync or fully automated, you choose
- Bulk actions for month-end speed
- Clean Xero ledger every month, no reconstruction
- Full audit trail from card swipe to Xero entry
- Tracking Categories preserved for project reporting
- Multi-entity access across all clients
- More time for advisory, less for data entry
Trusted by teams across Australia
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Frequently asked questions
What data does Budgetly sync to Xero?
How does the Xero integration compare to a bank feed?
Can Budgetly auto-reconcile transactions in Xero?
How does Budgetly map to my Chart of Accounts?
Does Budgetly support Xero Tracking Categories?
How accurate is the auto-coding?
Can I sync selected transactions instead of everything?
What happens if I upload a receipt after syncing?
How much does the Xero integration cost?
How do I get started with the Xero sync?
Xero-certified, scope-limited, revocable any time
Connecting Budgetly to Xero uses OAuth 2.0 with scoped permissions. You stay in control of the connection.
OAuth 2.0 authentication
No passwords are shared. The connection uses Xero's OAuth 2.0 flow, and Budgetly only ever holds a scoped access token.
Scope-limited tokens
The token grants only the specific Xero scopes Budgetly needs to post transactions and read the chart of accounts. Nothing more.
Disconnect any time
Revoke the connection from inside Xero or inside Budgetly in one click. The moment it's revoked, Budgetly loses access to your Xero data.
Xero App Store certified
Budgetly is a Xero App Store app with a 4.9/5 rating from verified users. Certification means Xero has reviewed the integration's security and reliability.
TLS encryption in transit
Every API call between Budgetly and Xero travels over TLS. Nothing is exchanged over unencrypted connections.
Data stays in Australia
Synced transaction data is stored in AWS Sydney, an ISO 27001, 27017, and 27018 certified infrastructure. The Xero integration respects Australian data residency throughout.
See every transaction in Xero, coded and receipt-attached.
Connect Budgetly to Xero in under 3 minutes. 4.9/5 rating from 96 verified users.